Full Show: Nursing Home/Assisted Living Warning and Will Self Checkout Disappear Soon?
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- Опубликовано: 21 июл 2024
- Do you have a friend or relative in assisted living or a nursing home? Clark has a major warning! Also, self-checkouts seemed like a great idea, until stores realized how much crime was happening at them. Now, big changes are coming.
Plus, Christa shares your #AskClark questions and Clark gives his take. All this and more on the April 11, 2024, episode of The Clark Howard Show.
00:00 - Intro
00:58 - Nursing Home Debt Collectors
04:09 - Ask Clark - Buying a Lease Car
08:10 - Ask Clark - How to Shop for Home/Car Insurance
10:31 - Ask Clark - Fraudulent Charges on Mastercard
13:45 - Self-Checkouts
19:16 - Ask Clark - Credit Card Dispute and Savings Account from Same Bank
20:31 - Ask Clark - OptOutPresceen.com and Innovis
22:38 - Ask Clark - Covid Exams Charged from Ship During Cruise
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Assisted Living, Memory Care, Personal Care Homes are con artists. They charge huge amounts of money and provide very little care. It's all about the $$$ for them... based on my personal experience with my loved one.
My SS check I $2179. They get all but $50. I advocate for my own care and the administration hates me for it. It's like pulling pennies from flesh .....
I want a small apt. I don't need Nursing care. I worked 40 years working in Healthcare..I will take care of my own care issues .
Yes. My siblings put my dad in one, that had mild to moderate dementia. Outlandish price. Care was subpar. Usually only CNA or LVN on staff. Greasdybfoid at times my dad couldn't eat and knew better to since he got heartburn..He kept telling me to get him out, he is dying in the place. He did die after only about almost two months living in one. He was notvrisknof walking away. They kept him in a wheelchair all day, which hurt his back. He never got to go back to his home to get the BEST he ever had. Great VA caregivers and I stayed with him overnight. My siblings wanted his assets. Please don't ever put your loved ones in one, especially the one by the bay here in SD. He always had dirty hands. They gave him lots of sugary cookies, cheap cakes.
I agree, cutting corners to determentbofvourvlovedvones. My sister had POA since retired, however wasn't concerned about our father..That document is one of the most abused forms. They tried to prevent me from visiting him since I tried to advocate for him. Subpar care. Intell everyone nowadays.justbcuzcthrybchargecalotbdoesntbmean good care provided.
My mom was in a nursing home and theres too many patients per nurse and attendants. Plus the staff some of them abused the patients and one of my friends mother died under suspicious circumstances. The patients clothes would disappear too.
I wish I was like my mother she’s never had a credit card or a checking account. She’s used cash her whole life for everything to buy all of her vehicles and to buy her house. She still continues in her 80s to say if you don’t have cash don’t buy it…
I agree but the government tracks you when you use cash. Banks have to report transactions over 600.
@@deborahsheldon9951 Over $600? Had to google, and yes, I see. Dang. I think I'd pay in $599 increments till it's paid off.
@@deborahsheldon9951 they certainly track it now that it is high dollar - such as a house. But they don't keep records on everything under a certain amount.
I am like that now. I don't have never had and don't want credit cards. I use cash.
Thank you Clark!! Sadly, this will only get worse. Everyone and everything will try to get your money. Only way to protect yourself is by educating your mind. Being a vibrant senior citizen; many have tried me and still are. Be careful out there.
Just recently a friend went into the hospital with what turned out to be a very mild case of covid. The hospital tried to force him to sign a document admitting him to a nursing home and giving them his social security and all possessions. The doctor cancelled his drivers license and insurance so he had to call and quit his part time job. He refused to sign and went home. The next morning he went to his own doctor, who reversed it all and said he was as healthy as he had ever seen him but just got sick. He got everything restored and called and got his job back. He will never go back to that hospital again no matter how sick he gets.
Hospitals cannot cancel your driver’s license. Ridiculous
@@dgrove627 In some states a doctor can send a letter to the DMV recommending a driver's test for age or illness. Some states also have mandatory illnesses that must be reported to the DMV. Illnesses such as Alzheimer;s, macular degengeration and seizures.
Something doesn't make sense
@dgrove627 oh but a doctor CAN declare you incompetent and do just that. They did and tried to commit him to a nursing home. He just refused to sign the papers and checked himself out still sick. If he had not been sharp enough or had been not thinking because of medication they certainly would have done it. You are kidding yourself if you think it is not happening.
@@dgrove627physicians can.
Thank you Clark for getting this information out to us. I cared for my Elderly mother for 7 years before mom passed away. It is unbelievable what I went through as a Caregiver. Will you explain to your listeners the difference in For profit hospice companies and the non profit hospice. The quality of care my mom received was below standard. Will you let your listeners know who these companies can be reported to when they provide less than service. The nightmare I went through from homecare agencies is something that needs to be exposed and talked about to get changes made. I loved my mom so much and I wanted the best care for her.
Sorry you lost your mom. 💔Hopefully you were able to get the best care possible. Thanks for the suggestion! Team Clark will discuss. 💚
Sorry about your loss.. did you use the profit with a non-profit hospice? I'm so sorry you went through all that because I know what it's like to be a caregiver. My husband had cancer and even though he didn't require a lot of physical care for me it was extremely stressful coordinating things and just being there for him so I'm praying that you're doing better now and that you can still have a good memories.
when my husband returned home, the for-profit homecare agency was a hassle. What exactly are you saying---did you have good luck with the non-profit ? My sister had bad luck with both...cancer. Husband was stroke, kidneys. My main complaint is the lousy nursing care he received at home. I cut them out after 8 weeks and he did better with me caring for him. Very unprofessional nurses and scheduling idiocy. Their rates were high too for what a person actually gets. We experienced outrageous behavior bordering abuse.
Overall, if I could do it over again, I would have done it all myself and joined caregiver support groups. Maybe hire a night person to come in to help.
I refuse to shop at stores that have self checkouts
Why should I bag my own groceries or stuff. They charge you more for the items and give you less service
This very thing happened to me. All the papers that I had to fill out to admit my mom in the nursing home was similar to the amount of paperwork of a mortgage. Did I read every page, no. About two weeks later I read it. I was so distraught. I had to contact an attorney. He said I’d have to court and he might be able to get me out of it. I almost had a nervous breakdown. I begged the administration to rip up the paper that I would “voluntarily pay for the bill”. Thank God, she tore up the paper and promised me there was no copy on file. Close call. I DO not sign anything now for a loved one (except if it’s my own paperwork.)
Good point. I never heard of that one getting people to sign for financial responsibility .. 😢😮😢😢😢
I do Homecare, sometimes I take clients to the hospital now I’m having an anxiety attack
I’m actually in pretty good health myself thank you 😄
So glad you’re on You Tube.
Plz warn your listeners should you decide to care for your elderly parents to be extremely transparent. Just because they are informed & give you permission today, doesn’t mean their mental capacity will remain the same in years to come. Have someone neutral be a witness to everything you do, every check, every purchase, EVERYTHING! You never know family until money is involved!
24:00 Clark, another option is to bring your own Covid tests with you aboard cruise ship, so you can have them if you need them. The at-home Covid tests are often FREE.
Great tip, Clarkie! 🙌
Clark Howard where have you been ? Haven't seen you in ages.....so glad to see you are on YT.....subscribed , so please put me on your notification list.... so I won't lose you again.....I have watched you for years, keep up the good work Clark, you are one person on here that I feel I can really trust.....
My Walmart is locking up large parts of the store, and require a customer service rep open a glass case with a key. Surprise, there are never any reps around to open the glass case.
Our local WM has started to close some self-checkout kiosks.
Ours too
This assisted living deal is despicable!
Shook hands with Clark at Kroger earlier today and didn’t realize he was on RUclips. Couldn’t have be nicer to me! And happy to see his content here for me to consume. Thank you Clark!
A Sam's Club Scan-N-Go heads up:
I'm a huge fan of it, and wonder why more folks don't use the option.
The other day, I was happily gathering from my list, scanning as I went.
I was nearly finished, when my phone prompted, "SHUTTING DOWN," and went blank!!!
Please make sure your phone is adequately powered up, before you begin the process of Scan-N-Go!! 😮 😢
😲 Oh no! This is a very important tip! 🙌
Have I mentioned you're amazing lately? I might have forgotten. Love y'all and everything you do. The way you are able to get a point across with such a generally neutral and just informative perspective is refreshing. You always seem to try to provide proper reasoning very professionally and respectfully. Anyone could learn so much more than the topic at hand. Simple life information and resources, just insane levels of knowledge/guidance I don't think most people truly realize. You have been one of my favorite shows and human being throughout many many years and life itself. Thank you for being you! 😊🌎❤️🕺🏻🐶
CLARK: I thank you for your information, and warning, about Nursing Homes, etc. I’m a senior citizen and hope I NEVER have to go into a nursing home, BUT, I understand that if I can’t take care of even my basic needs, off I have to go. (Kicking the whole way perhaps Lol).
Boston College alumnus here. Class of 82. So glad to hear your cohost is a fellow alumnus.
💚💚💚
We have switched almost entirely to curbside pickup & rarely go into the store anymore. Can't say I miss it much. There is a minimum order amount (walmart-$35) to use it for free.
That’s fine but I get clearance deals or see promotions that I did not know about too often. Saves me money every trip.
I love sams scan and go! I use it every time. I usually only get a few things when I go to sams so it’s nice to not have to wait in a check out line!
Thank you for doing such great research!
Yup, consumer finance got them to give my money back after 4 months of getting the run around
Thanks for sharing a real-life experience that it works! 💚
Thank you Team Clark.
I was in first a regular hospital for 10 weeks then a rehabilitation/assisted living home for nearly another year. I was only 26 years old and it all stemmed from a 3 week induced coma. I had to relearn everything
Hello Clark...huge fan here...I do want to say...I'm a business office manager at a skilled nursing facility...and we do have folks sign...as someone has to sign that the care can be given, etc...unless the resident can sign...someone else has to sign...it does not mean (at least in our case) that we are going to charge the person signing...for example...son/daughter, poa...thank you for your show!
Thanks for sharing your expert industry knowledge! 💚
We believe that like rattlesnakes taste like chicken!
This was the first of your youtube videos that I have seen. It was very informative and interesting, thank you.
I do like self checkout because I can put what i want in each bag. I tried Walmart+ Scan&Go for the first time last week. Worked OK, but I'm not sure it was s time saver over regular self checkout. Definitely faster than standing in line for 10 minutes for s cashier to check me out, though.
Not all nursing homes and assisted living communities are trying to trick people. I work at an assisted living community and make it very clear how the financial responsibility form works. I also talk to the senior and families about the costs involved and ensure as best I can that they can afford the care our community provides. I am very proud to help people and never want families to feel tricked.
Kudos to you for doing your job with compassion and integrity! 👏👏👏
BS...every American knows that there is a nationwide SHORTAGE of CNA's, LPNs, RN's and food service workers in EVERY SINGLE nursing facility in the United States of America. You will drain the private savings of your helpless residents and then you will dump them in a double or triple occupied filthy room after you assume control of their government social security proceeds and then you will bill the direct family members and any visitors for bogus cost of living charges. WE ALL KNOW WHAT IS GOING ON at nursing facilities.
Sam’s Club Scan & Go is 99% awesome! The 1% issue is the person checking my cart at the exit door. Some of them feel they need to scan every item in the cart.
Welcome back Clark use to watch you Sundays on T.V.
I worked in the courts for twenty years on elderly abuse, neglect and exploitation before I retired at 68. Unless a person LEGALLY represents someone, they should not be signing anything as it is NOT their responsibility. Even if you are a spouse of a deceased person, in some states you are not responsible for any of their debts. Do not sign anything. These is a revolving door problem that leaves hospitals in a pinch. They get a little old person with a broken hip. Medicare gives the hospital 3 days to get that person up and out. So it is either send them home with a physical therapist visiting once or twice a week or off to the rehab facility. If they go home it is most likely there is no one there to help and they end up falling agin and back in the hospital. That is the most likely situation and most people cannot afford to pay for extra assistance at home. If they pick a rehab hospital they will get better care and rehab daily. But most little old people ache and do not want to get out of bed. A rehab hospital can put up with that for 2 days at most and then Medicare stops and the person is sent home. Again, they end up falling because no one is home to watch over them and back they go into the hospital. And health insurance is too expensive for most people in the U.S. So the bottom line is that if no one can assure payment and the person is not responding to Medicare's requirements, the person is sent home and it ends up starting all over with another broken bone, into the hospital and then you are back to "what next?"" But NO ONE should ever sign any documents for another person unless they are legally, with documentation, responsible for that person. And if anyone attempts to force you into doing that, you need to contact the State Department of Health in the state in which you live.
I love self checkout. Especially at Walmart, Kroger and Costco. Walmart can’t hire enough workers to run the cash register.
I used to like self checkout at Costco, but you can’t buy their muffins in self checkouts. Just not smart on their part.
I heard a report on NPR radio regarding the shortage of staffing across Assisted Living and LTC facilities. The exact number I don't recall, but it was staggering, especially as projected forward to the time I personally will be needing such service. (I've conscientiously kept up my LTC insurance premiums, but it won't be of much use if the facilities are understaffed!)
They reported on a new Government program to issue visas specifically for immigrants who will train to fill these jobs. One who was interviewed spoke of her desire to do this initially, then move into nursing school and become a Registered Nurse.
I support this plan, especially because of the tendency of other societies to value and care for their elderly more than we seem to here in the USA.
Thoughts?
I worked in an assisted living for 10 years. It changed ownership twice. All assisted living facilities refuse to hire enough staff. There were 29 residents and only 4 staff members to care for them. At night there are 2. This is unacceptable but Assisted Living companies couldn’t care less. As long as they get their $10,000 a month per resident. They will do with less staff.
LTC insurance probably pays for in home care. Many do. There's also HSA's that carry over year to year & covers home care.
Clark not all assisted living places are like that. We live in a senior facility with an assisted living and skilled nursing facility affiliated with us.
Good for you but unfortunately, you are the exception NOT the rule!
I was separated from my husband for 3 years. He became very ill & went to a hospital, nursing home, then another hospital where very aggressive social service people started calling me asking for his Financials, my Financials, etc. I told them numerous times we were separated & I had no earthly idea what he did with his money. Finally I threatened legal action to get them off my back. But it was a real eye opening experience.
If still legally married, my state can & does take a legal spouses assets. It takes a while sometimes, but they can & do just that.
I do that. Buy less because of self check out. So true, only what I can carry.
We love self-checkout. We organize our groceries. Frozen first, refrigerated., veggies, boxed, cans, chemical last. Makes loading the car and when we get home.
As a hermit I love them too.
I love self-checkouts because I feel I’m in control. Also lesser hands touching my items, I put perishables or chemicals, like detergent, separately, no interaction with not-very-friendly cashier. 😊😊😊
What recourse do those that have already been duped into signing those nursing home forms?
put a kiosk like the self checkouts except its a check-in, like Costco.
I show my picture ID (drivers license) and it takes my picture as well.
I swipe my debit card for a $100 charge ane take the receipt into the store.
No entry otherwise. How hard is that?
I've heard some judges are reluctant to prosecute a "theft" at self checkout because a customer may have made a legitimate mistake. They consider it a retailers problem.
I hate self checkouts like Costco where you have to place each item on a scale to be weighed.
How would the bank know the tickets were used?
Honda Prologue is a shared platform with Chevrolet Blazer, and Cadillac Lyrique.
Looks like it wil be way over priced from what I'm seeing. 🥺
I do not like it when cashiers drag my items over the glass plate to scan the bar codes. I do not want my items touching a surface or hands that were in contact with raw meat. According to the CDC, you can easily contract an UTI from raw chicken. You do not have to ingest the meat; simply coming in contact with the juice of meat will make one sick. (Ecoli is in the feces of chickens and the FDA allows one out of five chickens with ecoli on store shelves.) I prefer and seek out stores with self check-out for this reason.
Do you know how many hands have touched those items that you do not want touched again . Think about it . We are not living in a sterile society, far from it. Wash your buggy handles. Wash your hands as soon as you walk into your house. Wash off your cans before you open them . Exposure to germs keeps your immune system on alert. Societies who lived in sterile environments were almost destroyed when others people entered their territory. Their immune system had never been exposed to foreign bacteria or viruses. Do not be afraid of dirt and germs . Just be sensible. Living in a plastic bubble does not keep one healthy.
What about Disney cruises? Are they United States based cruises? Would medical ship insurance be needed?
Thanks 😁
Sams and Walmart are the same company (right?)......we regularly shop walmart grocery mart (self-checkout)....so I'm assuming Sam's uses the same as the walmart? Works fine!
Good to know
So the gal in IL who had the NY theater tickets on her card. The thieves still have her # ? Or did she get a new card? Didn't finish the story there.
Uniqlo's RFID checkout is pretty great. It's literally dump & pay. It serves these big retailers right to now be dismantling their poorly designed self-checkout systems after pouring so much money into them.
Virus caused illness only has Tamiflu as a prescription - and I would be shocked if they had access to it on a cruise ship. You can only treat the symptoms. (I introduced Tamiflu as a pharmaceutical sales rep 20+ years ago.)
I like the Scan and Go app at Walmart, even though it really should be called scan and wait, since i usually have to wait for the self check out crowd to get done with their several carts of product. The negative with the WalMart Scan and Go is that it costs about $100.00 per year! WHY! this app should be free. I've also used the Sams app but after doing all the work, the lady at the exit (Hiram, GA) was supposed to just scan the QR on my phone instead she scanned every item in my cart. I have not been back there since.
Thanks Clark & Team!!
I wish all merchants would train their cashiers like Aldis. The main reason I shop there is I can be in and out in under 20 mins with a cart load. The fastest checkers I have ever seen. On the other hand I avoid the local Kroger's as they are SOOOO slow, and their self checkout machines have weird tech that confuses.
Ours is so fast and not caring for the food, that we have had to deal with them denting cans and crushing yogurt containers that leak. I have to now check my items before I leave the store to see if they destroyed anything.
Voluntary or involuntary?
Clark, my father was recently in a assisted living facility for respite care and they automatically have family sign. They never asked my father to sign. I signed as Power of Attorney so does this still make me liable?
Depends on what you signed. Read the terms to see if you're liable. 💚
"4/11" #BonusTerm - "Self Checkout" 1. Doing your own grocery checkout.2. A period of introspection, reflecting on this 'n that, possibly while waiting in the "self-checkout" line. Lol. :)
😂 #bonusterm
😂 Got it. That was cute. The words used or spoken lately, also in the news reporting, make you wonder. It puzzles the elderly and the young folks don't give it a thought.
But if you don’t sign those financial forms, will the patient get the help that they really need??
They will not admit without signing forms
@@avisatkins5438 perhaps can sign for the patient...not yourself.
There are multiple forms. You should be able to sign consent for medical treatment forms without signing financial responsibility forms. Read and ask questions. 💚
I Live in Louisiana and they must evacuate earlier since not enough charging stations available. I will NEVER have electric car!!!
We use highly-rated Amica for home and auto.
Highly rated and very expensive.💯
The answer is if you think you have Covid you just don’t tell people and actually you don’t even tell anyone you’re sick in the first place because people freak out they go crazy. This is the reality in society now way too many soft people out there..
You don't have to tell anyone, but you should stay away from people to protect others. 💚
❤
NEVER lease .... the upfront costs are outrages !!!!!
What do they do with a person is living in a nursing home and they run out of money?
They apply for medicaid
At least the self checkout machine says “thank you” instead of just throwing a receipt and paying “there you go” or “have a good one”
Thank you, very important information!
Self checkout is so simple and quicker than standing in line for an hour! If they "Walmart" remove them i will stop going again.
We actually wound up living in 2 different states.
home health care company tried to con me into giving them our son's personal info and phone....i refused. He had nothing to do with the care being given.
Who do they contact if problems?
I was a banking and finance regulation lawyer for 35 years and recently retired. As to the person with the tickets, it makes a difference whether they used a credit or debit card as the reporting time periods and protections are very different. It’s not as simple as you make it sound.
As to the people who came down with Covid on the cruise, I cruise all the time, have Cadillac medical plan but would never get on a cruise without travel insurance (and read the particular policy you purchase). You are going into international waters and foreign countries. While I don’t disagree with the comments about treatment in the ship, it should have been followed up with “make sure you have travel insurance. My son is a drummer and bus band is going on another European tour in May. He has health insurance but since he will be in Europe, we obtained travel insurance with medical coverage overseas. Don’t just assume you are covered in foreign lands.
Self Checkout, I only use the self checkout if I only have a few items and the regular checkouts are full. I’m a customer of an employee. I’m not getting paid to checkout my items, I’m not getting a discount. I don’t use them. If they don’t have any checkouts open I leave.
Thank you for all the valuable info in this video.😊😊😊
Meanwhile, Publix is adding self-checkout.
The store owners were naive and found out that the honesty of the general public and the honor system isn't as prevalent as they thought and doesn't work in everyday life.
Detecting weakness and opportunity, human greed and entitlement are stronger, more basic urges in human nature.
This unpleasant fact has been learned from this social experiment.
Change your bank, Wendy!
I don't do self check out Don't want to and won't do it!!! If I can't get a human check I report that I am leaving the store and there are some items that needs to be put back on shelf and I leave I don't need to spend my money with them
Thank you . Great info 😊
I’m with Christa re. Cruises. What could go wrong? 😂
“Self check-out” would solve the assisted living dilemma.
I switched from Progressive auto insurance to Amica and saved about $80.
I DO NOT use self check out ever!!!!
I would never plan on going to a nursing home.
Why would anyone put a burden on their family members.
With future full self driving cars coming. You can still be independent.
The car will take you to see the doctor. The car will take you to any restaurant you want.
The car can take you to the car wash to get your self washed. 😂
😆 maybe in 4 to 5 years at best. Elon was way to hopeful on this one
@@thinkabout602
I got 30 years. Elon can't lie for that long. 😁
I was at Costco. They are selling the same exact shirt you are wearing. It's called Vintage Brand 😂
I have a bunch of those shirts, too. Love them!!!
I agree that Sam's has an outstanding scan and go checkout!
When they own their own pharmacy you better watch the bill . Just sayin
Before you know it, AI is gonna want our face and handprint and fingerprints to check out. I don’t like that reality. It really stinks.
Sandpiper Crossing.
Unfortunately, the COST of technology will win over the expense of employing humans. Eventually there could be no jobs.
Jobs are always needed to program, monitor, backup, and repair technology. 💚
Its the electronics thats making people sick on ships when its really radiation.
$8000 for $50 of service
😳
Self-checkout: How about the Amazon Go stores, with "Just Walk Out?" Members only. but automatically charges your account. No cashiers needed.
Amazon Go got stopped. AI wasn't working and they were using people in India to verify purchases, taking days to do it.
Clark experienced Amazon Go at an airport and loved it! 💚
A lot of errors, but never in the consumers favor.
What about cash in the future being obsolete and the future is right around the corner do you think that’s a good idea no I don’t think so. I hate AI.
If a store cannot protect itself without the use of the police then it should go out of business.
Covid is outdated you don’t have to isolate yourself for 10 days anymore. not even five days it’s more like 24 hours if you don’t have a headache or a temperature you can still go out in the community and still do your thing. People are way too high strung and extreme anxieties over COVID-19. Come on people live your life get over it…
Clark Ive heard that we shouldnt use self checkout because the prices listed in the store is encompassing the cost of employees/cashiers. So basically the store is making more money when people use self checkout? I Love Sams scan and go but otherwise I hate self checkout
I'll leave the cart and walk out before I use self checkout.
Don’t buy or lease the Honda.